ࡱ>  d @ bjbj )(@ x....~~~2228j$ ?L(***ir$>>>>>>>$ARDx>~*ei**>..**;>000*@.8*~*>0*>00I;xf~=* PA$2j(<$m>>0 ?<|D||DH=$....=|D~=xvT0D! >>d2"2NEWS FROM SCDCA South Carolina Department of Consumer Affairs  EMBED WP8Doc  Brandolyn Thomas Pinkston, Administrator June 4, 2009 Release #09-057 SCDCA Media Contact: Alice Brooks, 803.734.4190 1.800.922.1594 (toll free in SC) Email:  HYPERLINK "mailto:scdca@scconsumer.gov" scdca@scconsumer.gov FOR IMMEDIATE RELEASE Protecting Tenants in Foreclosure On May 20, 2009, provisions immediately went into effect which protect tenants living in foreclosed buildings. These provisions are self-executing however, so no federal agency is responsible for making them work. The South Carolina Department of Consumer Affairs wants to protect any Palmetto State consumers impacted by this law and is urging advocates to become involved. We need to ensure that tenants, landlords, public housing authorities, courts, the legal community and others involved in the foreclosure process are aware of these new rights for tenants, said SCDCA Administrator Brandolyn Thomas Pinkston. The law, Protecting Tenants in Foreclosure Act, applies to all federally related mortgage loans or any dwelling or residential real property in effect, it applies to all State foreclosure cases. The most important component of the law, according to SCDCA Attorney Lil Ann Gray: All tenants must get a 90 day notice prior to eviction due to foreclosure at a minimum. The Act also has another important protection. It requires that a new owner who took title to residential rental property through foreclosure must honor existing leases until the end of the lease term. Gray points out that there are three exceptions to this rule: If there is an existing term lease and the new owner wants to occupy the foreclosed property as a personal residence before the end of the lease term If there is an existing term lease with less than 90 days to the end If the existing lease is a month-to-month tenancy or a tenancy at will The law also applies to Section 8 tenants. Housing Assistance Payments (HAP) contracts must be honored with the same provisions and exceptions. The National Housing Law Project (NHLP) has prepared materials that will help landlords, tenants, and other foreclosure key players understand the provisions. More important, it will help tenants who are victims of circumstance exercise their new rights under this law. NHLPs materials include sample letters that tenants can use to inform their landlords, as well as sample letters advocates can use to inform the courts and public housing authorities. All of this information can be found on the National Low Income Housing Coaltions website:  HYPERLINK "http://www.nlihc.org" www.nlihc.org. The Coalition, based in Washington, DC, can also be contacted by telephone during normal business hours: 202.662.1530. Consumers can also contact SCDCA Attorney Lil Ann Gray, 803.734.4272. For more information on protecting tenants in foreclosure or other consumer issues, please contact the SC Department of Consumer Affairs, 803.734.4200, or toll free in SC 1.800.922.1594 or  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. -30- 6-3-09/ajb     About the South Carolina Department of Consumer Affairs: Established by the Consumer Protection code in 1974, The South Carolina Department of Consumer Affairs represents the interests of South Carolina Consumers. Our mission is to protect consumers from inequities in the marketplace through advocacy, mediation, enforcement and education. For more information, visit  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. About the South Carolina Department of Consumer Affairs: Established by the Consumer Protection code in 1974, The South Carolina Department of Consumer Affairs represents the interests of South Carolina Consumers. Our mission is to protect consumers from inequities in the marketplace through advocacy, mediation, enforcement and education. For more information, visit  HYPERLINK "http://www.scconsumer.gov" www.scconsumer.gov. ?@NOQ{  ' ( < = ҽ潁umbmuUuhS*hl40JCJaJhl4hl4CJaJhl4CJaJjhl4CJUaJ hSaJh=5<5CJaJhS5CJaJhaNu5CJaJhXL85CJaJ hXL8aJ hHvaJ haNuaJ hyaJjZA hyCJUVaJhyCJaJjhyCJUaJhy5CJaJ hy5CJ'hy5@CJ6!?R{? @ A W X z { &>&^&Y&^&^&^&^&^&^&^&^&&&W&&gdS$a$gdS$dh]^a$$dh]a$gdS dh]gdS -DM   -DM $ a$$a$@= > @ A W X z .  _ *iCD?@bcpq*+./34>¾thhShS5CJaJhy56\]aJ hyaJ hS0JjhSUhS5CJOJQJaJhSCJOJQJaJ hS5hShS6h# hShShS5hShaNu5CJ\aJhy5\aJhShS5CJ\aJhy5CJaJhl4CJaJ${ _ ` iD12./4?&&&&&&&&&&&&&&&&&&W$dha$$dh]^`a$dh]^``gdS  & FdgdSh`hgdS`gdS>?@ACDFGIJL1:XuvȺȪȗȅȺȪrȅnhy%jWhN@CJOJQJUhNhN0J@CJOJQJ%jVhN@CJOJQJUjhN@CJOJQJUhN@CJOJQJaJhN@CJOJQJhN5CJOJQJ\h9Tjh9TUhy5\aJhShy5>*&?@BCEFHIKL":X&&S&S&Y|&&S&S&Y|&&$$d&dNPa$ dh]^& dh]^' 01h/ =!"#$%:VDdQUP  s ,A??bZV`L[44JBڰ6VDn.V`L[44JBڰPNG  IHDRmm$xsRGB pHYs_='oUIDATx^gy9=ݓ @@$ JNWw*U.\.~arYu>g$ bD$ywfwf'9)_\=O>Zve+[@;1G']xl_ Y??j5pvvv}}^7ʽ ct`@hpX Z-DZ# 7oJR.TeEe5RR6F[)]\TU!ShtnJZiȉ`0x>L,?ՎxիW7;neUzCQBY7&ͤk2\TFtJE-jhЪf-74jn%]o駎85<IZXˍQoŒEuA?ݎR1Rl[ډr"~+Tk-J3hARq`7]Vc\{Zvs_;z^~u5ؑ_*_VCZb}']~6pVf&gw;x^q8̩L[{TY}NŽbyt_TiBV.׬{C-kj#_4z52S\z8%CBZ(5jzXIIotɗr^%OFkf"@skzk3?j f_Ɏ$x<ݾ X^Sk*JJjXeuYXvڍ{_rؾ>>զ7본͢qog+#[^s퓃/lo6#}.dJ\R*XhdK^m5D⅀83[~iizپ`PfJ;@_ol{`)+&^k*vNUEu=5qV&V\B[oݯ[Bn{,&Ri*ՊgN9-`c"]݉ջj0n4d=wΤQG‘v*`:.Y,F?8{O~o/U؜igG؄~_姧j6jvL"sOQ>iB~}v|nKDaìל9p+.mrQoFB8tgV~'uoѫ&|2Kp4d ݸ,^ϧt$NנlFd~ϱ+k(4L,N=v}ȥyk}F}`^SRv$wwwیvDfq!L)A^ WIӴ ۑCe8;m Y7Ό=2U(镋9ZȔRZ5(_xj:Rƴ*%< ;WWߺ-f fՕk+fj7\uo p{o6cr,[&&#)G)*]YXZ4ڱA|}Dh?rO _*?{g"uשUQp،CAd `Z8hBʹ)T!?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`bcfghijklmnopqrstuvwxyz{|}~Root Entry  F`}$!@Data XWordDocument )(ObjectPool PA$`}$_1092115113sQ- 7yPA$PA$Ole WP61 "d1CompObji  sQ- 7yCorel WordPerfect 8 Document Embed SourceWP8Doc9qOh+'0 ( D P \ ht| NEWS FROM SCDCA_1WPC0 _1B`G+0mDIMLH8z.q8*HសS%7~vcS6'0֝E THt)睜cQ4@cAM7Y. C{<*spN *#YE^ ^j[:=N7ՓӛIO{,"끼` LJK)>|~{6e9ȵe,:S::A$5%̈ QA96(ڟ O>;\V{=0~w0 أD}X+jcoL5ba4uȕpPq0($6O S"59wGd O( |Oʖߋa*oZ긷7Q_#!2UNS %^ UN@  o% 0D.. D+. 0K'/r/ A80HP LaserJet 4L,,,,,,0(9 Z6Times New Roman RegularXn,(9 Z 6Times New Roman Regular WPC__dedede__ rV<H6(60(€|}iS9~cÝjʢmWA.{cE`vvvʅcL5qMժr|V[hhhzkJv[@zSYYY٬tܲw]cDьvQ̦ptP\4'YÂIIHȝkУnҧq`Ùg ʉDŽsUb͈pLVdŅłʈmKȅxÄWjkJmPeEXjG$dxSfI_x_@_F0{WÂ؏hEdžǞogH{X`Agۮv΋Ȉȝg͇oO\ԭw߮vȇԜl}\@g`ˊÅ{czXdemO7}`קqZ!de} / *// ^U&I&I& w#^^ //* L#*4^QI667{? X?T9 X 6eul Q^< L(N,+x M~?h7T~ X x9ue LL,*4 lI~#x 5T'eXX066hh MT 5'+#CDJe <L0^7K{C9 Qx'-#[Gp |(UA'TdX9dv{{ x5g7Y L4>V6. q'ac pR"N[j#[##-^-"c"#.['6TK`nnA L7* ,+.d.BG|"-.8 +?,.{7 Cd XT[P(Rcj0,lv9re1 L:eI C99 |-.Xd,`~HC?)9-&uI6Jw{X0R"Gqll#9)e LL=*Ur9Cd 9+(-ddXrp~KTTC9MY!\2=)n&9A(j95M6'+ fA$1 L*40w M,-P0dhIE .KTJ+"/#K+F=\@ .u==75?-+#. -X)01LA*4u`{, `986E|+xBI9S+/Y 2])@).5/"E EHnw59+Z #vX+= LD`M6 7'-'9 @5 7!"P6p^-?H%'+ G!#.Y.+EHFn=%9c(.5dj  LFU { `O0M9I;DudR.#S:Z^0xTd(!!Z:SR+W!9KF5"Cnn%5#cK' 5@A LHUr+dTX %FnDCBx:/" (6IFs|/Z-twaC+jZZ""Z&JK% TX!#A+]A LJ-rj5'`cv5F2=F9ZBZ-X MIKFd |?j2Fc/SW#SS %"+=d0A|0-.]ALL*ICX5Kaq,V=2Eu.+("ZB)+#)0"/Q== Y( AZKA R(|pU9"+.M+.@LN*4&+96#G{7nD2EPw||Q`cezd59GSQ6a+)Ei!SS9U+!_ PjZ[r xp`z-X LO3' 6'!'6;DFFVBoP"B{]5+d+cZja-nJDFs ZS "^SZ6cSM),c'BKP%J PkC RFnn~+|caj/!f\T:/SPA )\_X// ))]]r : Zp("WZT\f\5.XXAk4* LRUe'M9(`fs6c"Q%%nK%,!|G( :o~Z0@2J=KS'Gr\@F"MVavXr0.8N| )=7.|[G A)A3 LT* xddCGX )pM;)II|.]08AS|.-  i2KGAjF)dZ AqAw0#Ta{]cp7;h!Z+#Q#f/3LV%9'T f7vsHI97Ge!G5I-avHF 2BR )P.]RKB M 6%' n)009cPz'+6e/1LV 5KCd -%%FI+" WBG Z%5Yu  IIc[X]pXP{6 )'||ppBrsf'+6m |#XRD* L-L`. '5 Z+\K.+cG.%5.B'hZ [= 2=Ee)'")7R+%?& uwT#(+e7(5-%KZ '&S13L%A{{'lP.76ZXG'\d#!6Dn=nffDdZ|#`e(UJ_/n=2fP2ft |Tsfn=D=sf=|T.eBZ#5ccXAIA$< Z*uqq07 wj.FH2EJ2FR"~"&)!PH 22@K/ )ZYn)\\J2JJ2@wcCC+59"# s/* L:^CX9!M&P'I9Fei\VHDVDF=_)#.%@wKf22;%SXs{x)DDJ2J=Fjcu 0"9j .8+IW$13; 4 KM{v%+56|9@w6J7IBd~)nf.Z'd?|~=Vr2J"IZ^e#)22\J=F=J22J=E|(P5a!+l/< L^ CK.{(&.cczf )%M7/Z5?2V)A|a7AF2 2fSK &6#)J2t\JJEu5InE2JJlMw(8#ZQ+R 13;5X'-G5Gj\+A@Jm5m+G/RBZnJn+7p,^0f D/B5Jd)22J n5dJ2J)xdf!W [-+eS< L8*qBx`aXq|7 AhpyHJ+!Z//dv!0I=nc5-ZDJri/+6V5P=E2#\\JnKZ22V2t\WQX"-|UAu13HL^C!5x# e#@70"/"SZ"?x/ H@G+07IX2@^c+.@J\2VV\\2nK%+Zm=2\;kN-vc 8#(^$* L6zK' aKZu%+F#/|ZpN`9?tfS.nJ6Z6e2-"F_7S Bw!2J&Dn22J=K75n22@"P9q(XAQ#S1 L`*5KCRqcp`! !s !|-6/ G~f0/5HHX7|+I@G/8-5xs22Em 2J_(YFE222Vn58Ne+AWvjA/*cLCKK#! |.A u;:-, jZS/` lS!)%e2H8ARa)|+) BK!&H ='u2J2J Y\p-V22J 22;"-{0" `Bl^4< cUxjQ8| 7+#Hyq,ZC#k(/SS`(TRrE r @xZ/Mr.U+HV=!FJ\ +BB'VyfK+!Jc0O0+p0Q13I/,#'X"cFn5\Fn!x+%CB7G2T6i n|TJ0H=]'#@EI.DJH69J6#E.J2H&JsfB-8+NS*cL/ ''! ( V_nIC eK7m)E (@D|/^fnp=\ 2=e-==)h5s\A.Te_2JJ;",H;`N0`Ul:<L KK!'e2Ed+y Kn7d5'90 V H9Hfa:8@\u|\\fPZ65#u5+/T6_JVJ2;+k;_&!v"jW! $1c^9'B#( VHXHV V9 K"` EV2IJnK:,=IY\22V2FY+8fT.S[7E2J2g AnJJ({ObG,^4138'K WHD+V rV 2 'm/ '    2|J_ /wDA@2'JEeFI9TZ/'_ J22JP2gpUjM4*-XAxGknGI2Nr2yDe/.+V y V2H|?H2eI_#-) JDDH S:.RP/jM;JrJEpVf0AQQ0!v[*cL S&#.n !  rr V2w / 9s y V 2 2;!BnewJ;pBFVJ2nxSX]N22JV2J2Jp,D;>O!ASwSc/ -K'cA&s[w 9eH7v%%T6PSS/ 96e {Q&a fF=J2J++## ~ wJJ E K9|9r J2!9H_6/pY8caw:KS7Kj|? - dGFF%Ka9 95 9:0!B+- 5&+5en]|+@c!PZWdB7_2s.7n|7%W,=Vy=RTD_S".(w:NSIX.a[+"Mcq &P{! ,+S5%!c(.a|EHD R^X0K DfpY)F P"[JnK7HD|CKy22J^E_NcW:cUKY#(&5(e5 Kd[ cA/RZBTB RC ,e(5n/I=s+K U\:S(fF)c6=J:]DV2=__=rr"i-+c-[/c"j#jpKu6 9;)mSSMZ:k,EC0TqEDDZ #SzFF9W0ZSSK+&DJ2:/#Bxe6P+R 2npR+vYcT+R pI#5 765Me/"/q[SYeJ yH)6!, ,a:0F= , e B|Q&lTpDrV.,DH5-#0(n E "GU"9c6.q (^ !G6JnI~&D / &:k7&/`)2_;' 5uYWG"@Er \Fr75en=B5D~7c" ]e{G- j-c0 [PcL*S9B X"#ZXI GZU Du|S/aZ:0c:S )=+SYAcNV'Hp8Z2@+/+6&fFrF%pu~+mX--RRk)c5EE6Z!ZB( :$1L *SlBKYx"(TZ+/S::SS:? /:{cZ! +JZ5=_&S:Sdq7IBRuX/nI&%% |0"cw:$1 L 3$U'#0PG[| K.BP#7GZ" |//S?^ p //SK{""]a+sFpZ:S/ /:N dcncx/FFFV6Z^ D N![/1;L 5+-vp8B#I7=n)srlm'wE]:ZpPc8)5|n2@K:S: SWZ"S::6 9#U-Z E6#ZvA <96q"0|Z|9 X5[a|ZX n GdukXY \,=/:/:SS::/x &_uR2HB !( /4*>* j!-N+a6+!-NZ/A#~6CU0cR'U -F @cpf//:SS:SSfF\)+Qn r|(!-:$*c3 RRA P-ZC `e,,&w766M`8q7,7.RBXV,=D%EI/S/Z  U|/^k.-"6dB|JJ GAR ^13cL P{^KGc'+5d{k.X88?qz0.?Q-kvYSR^0RPi r)c@ Fx::|.n7~69,qQ-/:S/S0F\NAZ#Z /41cL w/$* L5 <pc'(| EH_HE uwuyE& cR/ +P,@C|JJ'#/"T_ygngH;2 g`AY""l/$$1 L31&px|{y:yyyX+^|/5ZjA0M7G9HyyyyV_CG ["l/44$13LL *4NRZUB&2@yuwwuwuy2 #GS: 0&MA"BR5uuyyyJxj-|c&AS4$* LL<4Awa!!A5u >!U "-8&ywuy2J6RW^W,V_&ccl,yyy_9! [! ,-S4$13LL 31lb>b>N R u w26aA&;wYZ+7I#Ny2yyyJV6URZUZ"lS4$$13 L.L *1$I8OQ-XW[uwww2/A,2yV -ccX yu2J%KA ABY Uw/4$$1* L *$/Q,>>QU+WWK07 y18k yRS?_y2u9.aZZ#AYzQ/4$$* %L */AQW[OQ j "Wa9I uwuy%2&2J% +PZ+a||Y&US4$* LLL*/l,Ub[U8kN"Ya+0M& yy E2 I6 +(Z0(ZvlS44$*L"L*1$: UWQQB8Q-N "-U+BX,` $5.?U-P NBaZQT :44$1*L,L *14:AbOb>OU0[" | Y jb^ >YY( Z[&U:/44$$1* L7L 31/ [->O>U>00?z>W  ZZZNN["-W  Qz^/S4 $13 LDL 3<4: ,,MbWWO[>kk'8Uj>bOUBA>p Yk  :/44$$<3 L0L *1$:/, kONb>>W>N>^"NN"W" N8M^/:4 $$1* LL3<$4:/UMMvb>O>}bOOW> kvk,b^:/4 $$13LL *1$$4/S::Y-&, ,w-Y^ S:SS4$ 1* LLL 3<1$$44//S:S:S/S4$1<3 LL L 3<1$4$ 1<3 LL 3*1$ 1*3 L L 3*<1 1<* L L 3*<11 11<*3 L(3$ !  'dxd( $ Figure  1  Level 1Level 2Level 3Level 4Level 5]Y\[ I&mage <=8C HKKKK !  p^ <,(`~0Jx `E/xxpObjInfo1TableeDSummaryInformation( DocumentSummaryInformation8 MEhIHWDޗ+TvV6wSL[r՝Xsϑ(x!ox,Ybg/{k~ͱNVLpU>J:UV5͎ | af)>Sah2hfVEO96NG3>=HDC@?=5/r VK! Gr|!lTW7Dl6@CJApwu ;KK+9c9v"KG xm=NzLppJߛJٚ[M7#?9j7|g';6Cչ^f93W,U;4x~Tk٭z&I*t\ђˢ;i͍tLr:LN,m$^?ɩ) 'T*k/7vgOτ<ɉ\Ԋm{{ԓ/<9M\\rWbQғYϓ7!Q?}{}No=9EzUڝ~s=vdEH>C Khaڗ$ry+֥mawr^\D: e+?8wSe5%snITf;]d֜_dG;o_|=?:&"xz,Gzv >j&U K G_d[?~ɭ6l٨' zJI7؍޽Nq|_q[\I~)dqN&r7,=:̓wԾa7o8l()^ﴜ<䖀FfOKdh?qd`c;ݨ۫j,QIҹ2`IưZC}N0ԝh#C8T@`Nk1k bmy' ژ"/Y532!xsSRi9sm+h>85̱A{;P}h20= x.َmF*_xrlԿwk>了[ыJև 9{5˯{3 pȹ`1ns.WyRX{C}'#C.:'\XMOlfR`e;=r3b‰߹nq>?GG83NATve#_\{-tBmP=_'%:qIw!?%\^vV(G\c>Y}s~GTίF>za&Dxh[ ?<:_; `u[ ;5ϝ{ XWh2ڌ;{wv}`ؑ F¦ SC ͧ_G8`D =rɏT:Oxp}f3R)r4Oi {f=n7,;=v{qmnL1"VE1>!QH=8v!X [Ys7_` 7֙[ݖp4;6'@Fi0vH84]>rjwZ˳C$!Ť#1%tQ<^|k %#WJx;^rm>c:n;Ix^)10OW'-EN򋹴PEbJ,7+PD&r.+MxS{7iC^n/m6w2v(3Z_/ʻDOO[I55o?{tk›0x#u)DP baf00( zTt e.$n,k Mݜ#d1vm~ʏVuZ`VΤ Tiq3mvzvi܋z"Uu|xlHڀXÐV6|߅[`F}٤rwжFM-DžIcA;+N[yu4ws}ľo>Ƒo5h YwF,YgA 2;0D~z{nYgq!'˯εbZ\{0}A Qlxwxn-F7w3[<3wnn_.q@ȉb0*8o4[,T*M08rkw~>@@w S(tV49A`v Qj s66ͫȀѡc({b~ldPfrŝdQ0k?zntҌ)_M:Z23PannAD<^xa-ێL;< F{npg^KO헫Ur$,Nҭ{:FV#W@}3twΔڇӡaۋa zn17/\t;$J!o{4R0)lTespxSB`G,Sg._zcyWLXCF`~-j6 2&trLf"$1.%u,U6A@-Tzu٦rW/;0WM@Bh6tQE?aF,3Gxꌦa,# q0p9v{7E‡LpW/xNMf X62eN2y0K~o˪ZLZNڦQjfcYp*i0`Evw޸{)k-gY3:lAzp䉣dCOcx^9 AU3~I/0jL4Q 2=1UC}~ ~ϔB¶ 6 m|TT#EET&ye:EP:Mb6,s r>4ABR.h?ט'޴e*1]8cZVi(3\ f QwH͕?67|VF77vSI?gN2b6:FaAa!:a.+a{bǡgJ3 hr\LAN!_!8{'uF탵0I /.DHK-b.R.Qw%k*#oj4j`4_IS\㒙[INK3H9cCv8"#PGF1Ҩ>]|JuYK4Hfe+AwYqXh1Y!7eح*!Dz e`дЇ90HUVͯEEύc{.v1$M- )e"nUؗDa1*677p4Zܝ!<bDY0WNvfayCcY"/|snBJ6ړ#%аĈ/.G1\F#HyPq k`u_@Ah<ЍnF8{+ؐ5_u7S7Pmp^=E΀IAu׷S$ [h8ӣnXhՆҽ0j~hG=|O&L AC: OMktJnM0 h:>h`ڸ X?ʕPsv~rEN698gHA??q` 7]4emx\8Te"&hdO+ITZm7SEA LNY VN!f"(s=Uj łޕ"Т@Hd[ RE)@/ǥȱ&5427su5rz >>60_QvF ~BJh Nz:](rPD7lm0=A-ʠ4y}&7܏zXZxL:YDā$I]ѹzB[LUh~e^#W̎sT&M"q Z.H~CjKo}Ԣ[CǴK00<="#BXD\͠=}Qmժtd+%oϤ9Awd\# {N˯²It"\ @$A NG=]weiaXJՆWMNш|Q)Oȧ^Ӫg֚IvTf#>y$A^O 5$h ыXc+]Md <@Te FWn|rZ W :iEԙݝfٛ F"%xb@ŕFx ZY@T79Ŀ nz+]9}:6F]![51ӣz%KdLdNNNI07z`$\ᥨ/05+񇽷dF{H .Z"1'UDaʌ[M 5r^Sz\" B%ូCT[ﮢ WJfL@ S(R7T#Hf ȋ,FW&+I¡]a lelTJH# x-`a(3'X@k)cIC4^d-0I%I@j#_tCTgHO Aƞn/}WxIPF= &g\E\ y`̳|'l \X}W/-!v $Kg"7LA>dG؂+lAf2(Z3;`Ob|trPAGp'ymgfA)܏OVjxNo+ ڠuCnL%:]_"9bJᏏ(vϏ[|M iq`0$]$Ek0۳+ŵă6 ѕd4Z :N |㥛繕_|Y@qt:JQJz="* M" B #0 qM}o!emCgsTsqa:&#dk u?3~NQwiIă8j]DѻD۞S *qAL"lg[d4$xQ$;bpB2 ޺oPgpH0 Α,A82WS‾?{`rȕɕH n~ڢ<)x vl Ш&*HLbJ&fB-(i;H hҥcdQ4âډW*^7Ip}|N]UI&E-G3ɞ)?3\0 YI",!褼r1^:w<483GLo#w8lfD2CQ,lqpϟ0ġ¥{f I*ta@BEBhbz@2qj 1+0eMa9Hg =xw/X- SѰIַro=d.z~XF% (diVTnkQ(l| m Րť2GLx'fD\ p{)#uw~+kdU{:Ĺ#O&{_1fb[y-NB~!ư`%ݏoqq#T`*L@i8j7TXwc7-! 6x 4sLU$'B[e{"M(]B cuj5N &~?cGD:x^&-7Iܔ8/-%؅T^6q7I,IjB8=%koN7ԡZ ]XF{h ֹrgC׎hw6S7nӽ) L /$^,F|CAxxt%NSs=peɔFdԌГI055@}VȎ??9ѩ x1ێC_ըϞX\=yjE0B=%!axDGIOQ|ث%Wuv@F|`Hgxs /~y3U~CCneWfWc3#}#>fcu+X@3Tg;10v1:a/Iv#HnkSl&8q_xZ3WOAa34 vb3kUxN.Wv\U!T& P#W WJHXqCrb[nï_]pUD0VBtsk4!Ǖ _&FWS 'jԐ YGǼh&ޠf!kYn^xr$k6`l`IW6K1**he- >옘L[lS%dĎtg"'p?w1F?d%-ؾ~ܵpcE\)|^Tw8N(7WEb-/LwP:4Nՠ96\^b$`Pƽ A[8^F_`d<[\暝6=#C; m~m.DDS\`;Ԑ{m3uh"Qvnbl.TLDF/]wȊm6'ꛤ+eEsD̼zQ1.ǶrgKPdLY.٤b/T~zxֆfPhc啧 k;Oz;IJr?JWooqʗgBVvnΝiwL" ̡̰R$\l-y4Z$|Ji ͨo'"]Evjb-3 uER`G٠z,z<:S?dd#U?S~kBꮬoʛy4<:ّJ_iCu^`4-O0 ~`K HdqcU2+FH8ZR#x|k5$ $z4L~JiA vF% "c$) [K-LN7zyb39r\C 7 OL t@9.W8 ɤueͱFG6uT9k M]."?~P`(Uyu`de^`=gկӣN(؂a`OldUE ON;aE I[DL,>U_LndQք]Jҳ~q*j)+FX&$wQdFՋK`}r0)&+]YFb~/tY[2}ȃJ q|O%׃Qm4'ȼ 2BC )Lq>Eo:sv! |7h5,E&{hvف>G$?Œ;[x 냀W;v.ٺxX~B ڵ*eN 3`XZl!UG=' P, O ^4೹mDe%@L$\ TؒFSIW 汁hQ*J;J٣C=! 1!Bѣw1e7c oضyCBQ!9Ž\F%)nȡ`Z {3AC?lC0FӜR!^^ڈ_ oGqvݒC^լZ,]2Ѓws Wb*y%WHAwNб=>aK@eNUi3}Pj:j%3niAo4K* pop,{(GZ+'^9lDzo`qRz%1W4C1BQƧqLn G7,YƖjb%&qOLAC8/|j= q&=4Ýg:JILwY\ dyxd D>dZƊFWX| *U#[q;rթ!\E6;}npMxr3b\RQ,c܅TGCQ)(s 6l &NjD)=vQjH ;,P-@T!q߸<ޅyyg {ฺm,$Fb 3Q*#RBc#ǭ,v:.z88Cq #,Ĺ(}?DFG105{L)?NW6$s-ZpQ',$6k]IN8\v 6*g1֢>#ky IEuRB0.^Y&o")j-PV%^X"чlF*1`I k wYkh LƆ_"Ż0 P kQ6^+s rkt#3~B13ۈvw2,\ME6-?HFB:}lD̔$@OZ92x@?+s/?9WZtϟ'Aoo0.eU)4f!\>뵰weА84`D cOc$M+;H,ݹ{?8[\)h%Tz82-`e*|vw=?泍(!PдL7JVuu`̻2@k{}4=sfZn3YƇ8mK`qEwv=H=i5*(g&B*!Sd@T8}=%h!een-=6ByzvxbA J9KwX4h:^gZ~ܵÉ?[x5TY~G!Q%1G{:8B*^ +YP`hLp*!o_}w!xZT3Gig ) Do n{?@Yǎ$Ǐ\ pLr)xk+L9փh8[s);d{#}RClqdlH 0m*- HmGӣzc !jhbf,]TX "7չaÌJfci?T ZeXHpjFLJM؄>XL.\' ax0Ui٭YM"CߩB'/9ê7i݁y%"(<&Ċf5+(PFQeTߺVĝ('\ՃT:Wc[|o=Iw3,-m("G?%b QD# M0dkm+ún̅۾Q/$=rsx>Rlgמ==ʿz_|bw~I8@°p86BNVnuJ>(!)>ꏏB[(W._yXb8b0u9nrb5ݐ$\mR9Jr7sf 9}SV` "t< ^L|ETRqw%6c61*h$Q؈"26w49qjפr<x:q̱x ٭o.)k'BDyz6Pil؏0DapZ)-JQ:g)Uvl ܞ{#W*2`r= O^^Uf&̩C_/|u#oL9 y%RQFE64T:`:wA%/K[pd; -b&B^luU!!@9L8 }J!dl7h,B2oeV<*@iH vKэ/.{rt;R 0tz0 H=wU|0,!b}Zr8 5Ƥs; #9̱NѡQ@:Ɂ9nց}CîUqn՘{,dފ {tɛ {'μש_5O|_r+4bg`3;cPAF6{Z玍rª7-d;I4"?(5БYݽsҍ7znPp|+e>݈W^ M6!ΟY8ڇDB=sjm5}9v@IV93=sZYoRh'oвtx 9fy\x-3ك-D(\Ū 0eXaZ @E$B^FT9UHxa΍' qtFۇ3P(ķPd0>ގRA$rccwПlR(G2%gWSjDT[BDEu,a7L3dQɒDAl9d4ɕ^3'ؖ!?|k=tp nBv'J207Qoƀmq~ 1R!G=mԋl<:n0s L[9dŽ#J70?J!$>Lܪe FХbJcC> !eE'6eB!:sc[gĦ@'FBtJdž956cqm87qdRE*5:Nמ_(i1iU f0"!IQ{`yq}o_YB5 D2#gSOʏHIPI]ܶjv#UfV Ǩ%(HmZcq18>1+&Q,1Qȩf5R9́^ z:Ⱦ=x [ VQ O 1M% -Pz -G2 Z(;NOEcϟұD"if^5YmJR ($iH*/: $ p@ZwOGxERXP&: N&r"4AN*k#ٳRn)'`zavgOst݌[A"⧿Dpcu8XI$Y;1.gޝmp;!)7woGMf>I5Z*֏toGd.HnCEǦ=}2 AX!!R,!j>"xr 1@.bgVvMs68+svZSمWV?h%b,!Fy-tݜrw>"xvYrZMf ũѩpa22JTFz"#Ʒ᮷6.fiӳDqV.$n$4"?Ft!ؠaq2pvjN0cBX)s[#~N0\$,!%o.F 2'Q^h%2hZmns(_֐tlS9 g8FE2#F;sLZͩ nE]lg av2(AJIc.62)Pʋ Kf3Ŋ!ɳY@:NC3Sspt S j UbTqKv8w}3!|6e(bk'nG8QPy_[[Z =j:j tM;@|bsR+~[!š9A~Q/8$˛3[!ԈZ}@?5 ;CN]הQKql,"D(Ppf&|d].#>NW,lV&H0EiƎ3))Ȍ̧K`; \tέm#¹ J85hPlO.bNKr[= ڶH|L=p"Yơb%$8_zzF613b}#,f/Y TV fHfo]^rmuzQC0">ȿ pOH#֟G6νMD%{0%o o?3Zq[ &es Bo֨}> CŀXQؓm}+H=s=\vR *;b 7ADEy||ؠ.yNbJp%\JQbܮMםpO2ԡKM5@b<VjЈ|y0{,*'=ВZ!N/'q"T0?0ZJ0(bb09emCP4Vז޿0DqK,(/{>̏9*BwA&QeتWS1kص |# *; qg7/"ߨ%2L}ՙ8a#<]5tXCę I1u: ŀJ@.M%Oo04?]lYϛQKH' SsT2T3zEjΜMP,syM V /~UudgBa[ZoS`#y j[)(Ra_Rzb,!AU$9P}oaJ #]b>5DŽM-ʑ-ΞX*٘'ЮpCb`8ZR3-(Yh!ũm!b>NKfҹx4۴;,nW6EoԨHܦ_}*W8 F1F5 Rϙt*K$sv s=rL,s$MacYw_. G&~78,KĨ%z(wg)F+R,5*~f Jk3 YJu ;&o%#<${kt'eAX R1YH/) J| (a(#}kbP~F'H֔($?KGb4%DJVyTI>rqLXG vo15Ku|RN{wDRyTO~]O%<>IENDB`DyK www.scconsumer.govyK 6http://www.scconsumer.gov/DyK www.scconsumer.govyK 6http://www.scconsumer.gov/scdca Normal.dot Anna Albers2Microsoft Word 10.0@F#@Ia@$@$_ ՜.+,D՜.+,H hp  scdca;%   NEWS FROM SCDCA Title\ 8@ _PID_HLINKSA!+ http://www.scconsumer.gov/Ghttp://www.nlihc.org/ ;mailto:scdca@scconsumer.gov!+http://www.scconsumer.gov/!+http://www.scconsumer.gov/  FMicrosoft Word Document MSWordDocWord.Document.89q@@@ NormalCJ_HaJmH sH tH X@X  Heading 1$$dh@&`a$5CJOJQJD@D  Heading 2$$@&a$ 5CJ\@@@  Heading 3$$@&a$5\D@D  Heading 4$$@&a$ 5>*\J@J  Heading 5$@ @&^@ 5OJQJ\>@>  Heading 6$@& 5CJ\L@L  Heading 7$$@&a$5>*CJ\aJL@L  Heading 8$$@&a$5>*CJ\aJL @L  Heading 9 $$@&a$5>*CJ\aJDA@D Default Paragraph FontViV 0 Table Normal :V 44 la (k( 0No List 6U@6  Hyperlink >*B*ph6"@6 Caption$a$5\PCP Body Text Indent$dh`a$:B":  Body Text$da$FV`1F FollowedHyperlink >*B* phJTBJ  Block Text$]^a$CJBPRB  Body Text 2$dha$CJ>>@b> Title$ a$ 5CJD\VRrV Body Text Indent 2$ ^a$<Q<  Body Text 3$a$CJ>>  Footnote TextCJaJ@&@ Footnote ReferenceH*44 Header  !4 @4 Footer  !hSh Body Text Indent 3$dh7$8$H$`a$ B*phfOf S List Paragraphd^m$CJOJPJQJ^JaJ( z zM?R{?@AWXz{_`iD1 2 . / 4 ? @ B C E F H I K L " :X0000X0X00X0000000000000000 0 0 00000000000(0(0(0(0(0(0(0(000000(0000000(000 wz= > { ? ?NP'<? b p  * :XXX5^qzXX  /X2$ p B2uxb2$u0J/XAlb@ 0(  B S  ? _Hlt144702429 _Hlt144702430 _Hlt96844249 _Hlt96844250)) @@@@** pvd:Spv$:Spv;Spv;Spv$@ ?R=/ ? @ A B C D F G I J =@ Ui 4::MhQ&awQ&akE$h_2,;b*<U-$c4^>R<|e}M^>@KWʭc^WPVRJpi$A9TLtaNuHvyd}S1 E-{# epN_VMJ4 ? @) p@Unknown Gz Times New Roman5Symbol3& z Arials&, Abadi MT Condensed LightArial NarrowK,Bookman Old Style7&{ @Calibri?5 z Courier New;Wingdings?Wingdings 2=Parties MT"1h"ֆ"ֆc&_ ;_ ;!4d% %  3QHX $Py NEWS FROM SCDCAscdca Anna AlbersH          CompObjj